The material provided on the Unifilife website, including the information and any images incorporated in the site, is for your personal private, non-commercial use only. You may not modify, republish, post, or transmit anything you obtain from this website, including anything you download from the site unless you first obtain our consent. You agree not to engage in systematic retrieval of data or other content from Unifilife. We request that you not create any kind of hyperlink from any other site to ours unless you first obtain our permission.

Due to possible linguistic differences, advertising statements in Spanish may not necessarily reflect the content of the policy written in English. In the event of a dispute concerning policy terms, the policy written in English will apply.

You must read the following two sections carefully.

Unifilife will not be responsible for any damages or injuries that accompany or result from your use of its sites. These include (but are not limited to) damages or injury caused by any:

• use of (or inability to use) the sites
   
• use of (or inability to use) any site to which you hyperlink from its websites
   
• failure of performance
   
• error
   
• omission
   
• interruption
   
• defect
   
• delay in operation or transmission
   
• computer virus
   
• line failure
   

We are not liable for any consequential or incidental damages—damages intended to compensate someone directly for a loss or injury, damages reasonably expected to result from a loss or injury, or other miscellaneous damages and expenses resulting directly from a loss or injury. Furthermore, except as provided below, we are not liable even if we have been negligent or if our authorized representative has been advised of the possibility of such damages — or both.

However, in certain states where the law may not allow us to limit or exclude liability for these incidental or consequential damages, the above limitation may not apply, and you may have the right to recover these types of damages. In any event, our liability to you for all losses, damages, injuries, and claims of any kind—whether the damages are claimed under the terms of a contract, or they are claimed to be caused by negligence or other wrongful conduct or any other legal theory—will not be greater than the amount you have paid to access our sites.

We sometimes provide access to other World Wide Websites from our sites, or you may have reached our site from another site. However, we do not endorse or approve any products or information offered to you at sites you may get from our sites or from which you may have reached our site. The Uniform Resource Locator (URL) address in your web browser will tell you if you are still on the Unifilife site or have moved elsewhere.

By providing material on our website, Unifilife does not in any way promise that the materials will remain available to you or that you will qualify for the products we offer. Unifilife is entitled to terminate all or part of any of its websites at any time, without notice to you.

When you select a password and sign up to access Unifilife’s online policyholder services, you agree to the following conditions:

• Unifilife is authorized to act on instructions received under your password without any requirement to question those instructions
   
• Unifilife is not liable for any unauthorized access to your personal information that is not directly due to the negligence of Unifilife
   
• Your password contains sensitive information, and you will keep it confidential and secret
   
• You will notify Unifilife immediately if you believe anyone else has learned your password or if you believe unauthorized access to Unifilife or your personal information has occurred or may occur
   
• Unifilife may deny access or block any transaction made under your password without prior notice if we believe your password is being used by someone other than you, or if any unauthorized access to your personal information has occurred or may occur, or for any other reason. Still, we are under no obligation to do so.
   

Violating the Terms and Conditions of Website Use may lead to a revocation of Unifilife website access privileges.

Unifilife’s Digital Assistant is intended for informational purposes only. Any information provided is not intended as professional advice and should not be interpreted as such. Any decisions you make, including coverage amounts, limits, deductibles, or service selections, are solely and ultimately your responsibility, and Unifilife is not liable for any information that is inaccurate, missing, or misinterpreted. The material contained within the Digital Assistant is subject to change at any time, and Unifilife makes no guarantee about the quality or accuracy of said content.

All information collected from users of our sites is subject to our Privacy Policy, which is incorporated by reference into this agreement. For more information, see our Privacy Policy and CCPA.

Unless otherwise specified, the materials in our site are presented to provide information about Unifilife, our services, and our business. Unifilife operates and controls its sites from its headquarters in the United States of America, and U.S. federal and applicable state law shall govern and control any action concerning the Unifilife sites.

We do not in any way imply that the materials on the sites or the products we discuss are available or for use outside the United States or in jurisdictions in which we are not licensed to do business, or that we are soliciting business in any such jurisdiction. By completing any online request or form, you are confirming that you are not a resident in any such jurisdiction.

These Terms and Conditions of Website Use, and the agreement they create, shall be governed by and interpreted according to the laws of the State applicable to Unifilife’s business operations, without giving effect to conflict of laws principles.

If any provision of this agreement is unlawful, void, or unenforceable, it shall not affect the validity and enforceability of any remaining provisions.

Unifilife may modify these Terms and Conditions of Website Use and the agreement they create at any time, simply by updating this posting or the information on its website and without notice to you.

Any dispute or claim relating in any way to your use of this website, including any related calls, texts, or other communications, will be resolved by binding arbitration, rather than in court, except that you may assert claims in small claims court if your claims qualify. This includes claims against our clients, vendors, and marketing partners, who are third-party beneficiaries of this arbitration agreement. The Federal Arbitration Act and federal arbitration law apply to this agreement.

There is no judge or jury in arbitration, and court review of an arbitration award is limited. However, an arbitrator can award on an individual basis the same damages and relief as a court (including injunctive and declaratory relief or statutory damages) and must follow the terms of these Terms as a court would.

The arbitration may be conducted by the American Arbitration Association (AAA) under its rules, including the AAA’s Supplementary Procedures for Consumer-Related Disputes. The AAA’s rules are available at www.adr.org or by calling 1-800-778-7879. You may choose to have the arbitration conducted by telephone, based on written submissions, or in person in the county where you live or at another mutually agreed-upon location.

We each agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action. If, for any reason, a claim proceeds in court rather than in arbitration, we each waive any right to a jury trial. We also agree that you or we may bring suit in court to enjoin infringement or another misuse of intellectual property rights.

Last Revised: October 12, 2025